Emergency Fund Calculator
How big your emergency fund should be and how much to save each month to build it.
Result
How to use
- 1
List your essential monthly expenses.
- 2
Choose how many months to cover and enter your current savings.
- 3
See your target fund, the gap and the monthly saving needed.
Questions
How many months should I cover?
Six months of essential expenses is a good default. Choose 9–12 months if you are self-employed, the only earner, or work in an unstable industry; 3 months may be enough with a very stable job and a working spouse.
Where should I keep it?
Somewhere safe and quick to access: a savings account, a sweep-in FD or a liquid mutual fund. Do not keep it in shares or lock it in long-term deposits.
What counts as an essential expense?
What you must pay even after losing your income: rent or EMIs, food, utilities, insurance premiums, school fees and transport. Leave out eating out, shopping and holidays.
About this Emergency Fund tool
Emergency Fund Calculator — How big your emergency fund should be and how much to save each month to build it. It is one of 200 free tools on namasivayam.in, made by software engineer Namasivayam Vadivelan for everyday use in India.
Everything is calculated instantly in your browser: nothing you type or upload is sent to any server, there is no sign-up, and it works on mobile and desktop. List your essential monthly expenses.
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Results are estimates to help you plan. They are not financial, tax or medical advice.